If you need assistance, please call 714-300-9005

Gold Financial

Tony Ronan

Tony Ronan

Loan Officer
NMLS# 311396
Cell: 949-246-5626
15520 Rockfield Blvd. Ste. G
Irvine, CA 92618
About Us

Putting Customers First

Gold Financial Services has been a leader in the mortgage lending industry for more than twenty years. With branches spanning across the United States, we pride ourselves on working hard to exceed the expectations of our customers.

Lower Mortgage Costs Through Cutting-edge Mortgage Origination Technology

Our customers save money and close their loans quickly because we employ the most advanced mortgage technology available. In a rush? The Internet, advanced mortgage processing software, and automated mortgage underwriting systems are coordinated to speed the mortgage process and deliver the best available rate and terms.

Highest Quality Mortgage Services

From mortgage processing and underwriting, to loan closing and funding, our mortgage staff will efficiently expedite your entire transaction. We’ll keep you informed every step of the way. We’re committed to building rewarding, long-term customer relationships. With that in mind, you’ll receive the highest quality mortgage services.

Meeting Every Challenge

We rapidly respond to new opportunities in today’s dynamic mortgage markets. As a result, the requirements of our mortgage customers are consistently met through mortgage underwriting flexibility and delivery of unique mortgage programs. We often identify niche mortgage programs that are essential to satisfying individual mortgage customer needs.

Home Purchase Basics

Congratulations on your decision to buy a new home! There are many important things to consider throughout the process, especially if you're a first-time homebuyer. Here's some information that will keep you on track.

In General....

A home purchase may be your largest financial transaction to date, so it's important to make the right decisions and to keep an eye on the details. With the assistance of your Real Estate Agent and Loan Officer, it should be an efficient, pleasant, and ultimately rewarding experience.

Count On Your Real Estate Agent To:

  1. Preview available homes to weed out those that are overpriced, or undesirable in some other way.
  2. Present the homes that suit your needs as you've defined them.
  3. Help you determine the difference between a "good buy" and a property which, because of its nature (neighborhood, market appeal, etc.), might have to be discounted if you decide to sell in the future.
  4. Negotiate the best deal for you. With a Pre-Qualification letter from us in hand, your Real Estate Agent will be able to demonstrate that you are a qualified and capable borrower. This will strongly influence the Seller, and may make the difference between the Seller accepting your offer or someone else's -- even if your offer is lower!

Count On Your Mortgage Broker and Loan Officer To:

  1. Assist you in selecting the best loan to meet your personal situation and goals. (This single decision can save you thousands of dollars throughout the years!)
  2. Keep you informed of your loan status throughout the entire process.
  3. Keep your Real Estate Agent informed of our loan progress (Note: your personal information is always kept confidential between you and us; only deal points and progress are shared).
  4. Get the appropriate loan for you at the best rates and fees. This will save you significant money "up front" and throughout the years to come.

Count On Yourself To:

  1. Keep your Real Estate Agent informed of any questions or concerns as they develop.
  2. Keep the process moving by providing documentation and decisions as soon as reasonably possible. By doing so, many of the details are taken care of early in the process so you can comfortably concentrate on any last-minute details or events that require your attention.
  3. Enjoy purchasing your home, but do remain objective throughout -- to make the business decisions that are best for you.
  4. Make sure you are pre-approved as early as possible. This will put the power of financing behind you so you can concentrate on selecting your home.
Mortgage Calculators
The following online calculators serve as helpful tools during the mortgage process.
Payment/Amortization
Calculate your monthly payment and see how the principal is paid over time.
Rent vs. Own
Calculate the difference between renting and buying a home.
Annual Percentage Rate (APR)
Calculate the APR for fixed-rate or adjustable-rate loans.
Debt Consolidation
Determine if you can consolidate your debt by combining it with your home mortgage.
Prepayment Savings
Find out how soon you can pay off your mortgage by making a prepayment.
Early Payoff
Determine the additional monthly payment amount needed to pay off the loan sooner.
Refinance Break-Even Point
Find out how long it will take to "break-even" on a refinanced loan.
Tax Savings
Determine the estimated tax savings with a new loan.
Teresa Karam
27101 Puerta Real #150
Mission Viejo, CA 92691
714-300-9005
DRE# 01973116

Based on information from California Regional Multiple Listing Service, Inc. as of November 20, 2018. This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent.
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